BORROWER PERSONAS

Jason FlemingSenior Lending Specialist

Spring 2015

Our Mission

Dealstruck’s mission is to provide small business owners with

unique, appropriate, and affordable capital with honesty

and transparency.

Dealstruck’s Value Proposition

1. We’re the only direct lender offering multiple financing products to small businesses in the mid-prime market.

2. Our term loans and lines of credit can be used in combination to solve complex financing needs.

3. We maintain the deepest passion for affordability, transparency, and honesty in our products.

Understanding Our Borrowers

• This webinar is designed to help you understand the different borrower profiles we’ve encountered along the way.

• By the end, you’ll get a clear picture of Dealstruck’s key types of borrowers and how to match them with the right product.

Dealstruck Products

Based on the needs and characteristics of small businesses, which product do you think will fit them best?

• Term Loan

– Ideal for businesses with large fixed purchases, expansion, or debt refinance

• Line of Credit (Asset-Based & Inventory)

– Ideal for businesses with recurring inventory purchases or with customers who pay via invoice

Dealstruck Products

Submits Accounts Receivable (A/R) Aging Report to Dealstruck

Dealstruck establishes line of credit (up to 85% of A/R)

Customer-paid invoices immediately pay down on any outstanding balances.

As A/R grows, available credit grows with it

One fixed, equal monthly payment

Term length up to 48 months

Strong asset bases to provide as collateral

A history of successfully borrowing and paying down debt

Interest costs go down and principal is reduced

ASSET-BASED LOC

Up to $500,000 $25,000 - $250,000

Prime +14.99% toPrime + 21.99%

9.99% to 29.99% APR

TERM LOANINVENTORY LOC

$25,000 - $250,000

Up to $500,000

Submits Inventory Purchase Orders to Dealstruck

Dealstruck finances up to100% of inventory cost and sends payment to vendor

Draw paid back over 26 weeks, first 4 weeks interest-only

Draw can be paid down at any time to stop interest from accumulating

Borrower Persona #1:The Restauranteur

• Industry: Restaurants

• Need: Renovations

• Product: Term Loan

Borrower Persona #2:The Online Marketplace Shop

• Industry: eCommerce

• Need: Inventory• Product:

Inventory Line of Credit

Borrower Persona #3:The Thriving Local Retailer

• Industry: Retail• Need: Additional

Locations• Product: Term

Loan + Inventory Line of Credit

Borrower Persona #4:The Project-Driven Subcontractor

• Industry: Subcontracting in building works, civil engineering, construction, IT

• Need: Payroll, materials, cash-strapped while waiting on invoices to be paid

• Product: Asset-Based Line of Credit

Borrower Persona #5:The High Performance

Manufacturer• Industry:

Manufacturing• Need: Equipment,

raw materials, assembly of materials

• Product: Term Loan + Asset-Based Line of Credit

Borrower Persona #6:The Distributor

• Industry: Distribution and Wholesale

• Need: Payroll, high volume of orders/contracts to be filled

• Product: Asset-Based Line of Credit + Credit Advance on Purchase Orders

Summary

• Term Loan: If the borrower requires a fixed, one-time expenditure or expansion

• Lines of Credit: If the borrower has a recurring need.– Asset-Based Line of Credit– Inventory Line of Credit

Thanks for joining us for the webinar!